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Be able to pay your bills before they appear online (pre-pay full bills ahead of time)

I ran into the odd case where I just signed up, my bill was (for some unclear reason) more than 5 days later than my billing date, and I was going to be out of town for a period.

I did not want to incur any late charges and I wanted to pay my bill ahead of time. But because it was my first bill and there was no billing history and also because the limit is (I believe) 20% of your last bill as an overpayment, then I could not pay my bill in advance.

If one is going to be away and not wanting to worry about bill payment during the period of a trip, it would be handy to be able to pre-pay a bill online. This might not be possible on plans that were not unlimited, but with those sorts of plans, it certainly should be.

Even with the other type, you could pre-pay the expected amount with the understanding overages may occur. Any left over monies could be put towards the next bill.

It's kind of ludicrous that you don't want to take my money when I want to give it to you.
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    Best way to avoid late payments fees is to register for credit card or Debit account (Pre-authorized payment), money will be taken out from your CC or Debit Account on every bill due date. (For Pre-pay bills, you only deposit is 20% of the bill like you said)
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    That's fine, if you enjoy getting screwed over when a company makes a mistake.

    I have personal seen and experienced myself several instances where companies made mistakes and a pre-authorized payment *cannot be terminated at the bank by the account holder*. I am not 100% sure this is true of CC payments, but believe it is. You have to ask the company you are dealing with to cancel the authorization and if they are not behaving appropriately for some reason (be it incompetence, malice, or a valid but differing opinion from yours), then you are pretty well stuck. I asked at my bank to confirm that I could not cancel pre-auths myself and they said that this was so.

    Most people probably don't know this fact about pre-authorized payments. This is why I no longer pre-authorize anything to be taken from my account. I've been shafted by at least three seperate publicly listed companies (being billed after service terminations at both my and their choice in different instances).

    So, that option really is not acceptable.

    What logic is there for not taking a customers money when they want to give it to you?

    I can overpay my credit card. I can overpay other accounts such as my cable/internet bill. I am reasonably certain I'm either making prime or no interest at all on these overpayment amounts and that they aren't costing the company much if anything.

    A company that does not want to take my money, and take it as a direct one off payment rather than an indenture on my soul (which is more or less how pre-auths you can't cancel at the customer end feel), seems to not have a clear sense of its purpose.

    Can anyone explain if there is in fact a good reason I can't pay 1 or even 3 bills ahead of time with a direct payment? Perhaps I'm missing something.
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  • You can make a direct payment in advance via online banking. Not sure why you can't do the same via credit card.
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  • I will try that, but I was told the amount was too much (it was the amount my bill was expected to be as I am on a $60/mo plan), because there seemed to be a maximum 20% according to the Koodo rep I talked to on the phone about the lateness of my bill. Maybe it had to do with not having a prior billing history.

    I believe I did try to do it with a CC, maybe it would work in my scenario with a bank account direct payment.

    It still seems like, if I can pay you at any time with a CC normally once the bill is generated, I should be able to pre-pay you unless there is something odd about the nature of CC use that plays a role here.
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    The customer support rep could tell me my bill was 'delayed' but not why. That would also have been interesting to know as he seemed perplexed as well. It arrived about 7 days after the billing date.

    Thanks for the help guys, I am grateful for the information provided even if I do seem like a grouch. :)
    • Whenever you decide to cancel Pre-authorized payments thorugh CC or Debit account, one phone call to Koodo to let them know that you want to be taken out of Pre-authorized payment , it'll be done in no time, you don't have to do it by calling your Bank.
    • I have no doubt that is the intention. I'm sure that was also the intention on behalf of Primus, Bell and Rogers at various other times as well as The Personal Insurance company, all of whom I have had fusses with over automatic withdrawal termination (the latter case was even after they'd admitted they would not have covered any claims in the period they were continuing to BILL ME FOR.). .

      I had a case with Primus where I was billed for three months beyond when the automated withdrawal should have been cancelled (I wasn't watching my CC bill closely at the time) which was AFTER I'd made a call to cancel it, been assured it was being cancelled, and had an email trail where we agreed my service was terminated on a the date it should have been terminated and the automatic withdrawal was SUPPOSED to be cancelled the same day.

      I have no reason to believe Koodo is likely to screw things up like this, but having paid for company's mistakes (Primus eventually reimbursed me but it took hours and hours of my time and stress to resolve) I have little inclination to want to take any further chances.

      I am sure Koodo's record is very good in these areas, but thrice or more bitten, not very interested in testing out whether the new company is better, thanks all the same.
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  • To the best of my knowledge, invoices were delayed due to leniency measures taken to help Koodo customers affected by the Alberta floods.
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  • I pay through online banking every month - it's not preauthorized, but I can set up advance payments this way. If you knew what your total was approximately going to be, you should be able to set up an advanced payment from your bank account. I'm pretty sure if you made an overpayment they would just add is as a credit to your account for your next bill.
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